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Which is best TRULY INSTANT access account or cash ISA
Comments
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IMHO... Cahoot, Marcus and Kent Reliance (new platform) seem to be the fastest. Avoid Ford Money and Skipton, nothing happens with them at weekends... not even Internal transfers.
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I use the Barclays Rainy Day saver quite a bit for a cash buffer. Instant withdrawals via faster payments and you can setup future dated payments. It used to be much better but its rate is now 3.96% AER on balances up to £5k. Interest paid monthly.
https://www.barclays.co.uk/savings/instant-access/rainy-day-saver/
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Another who has been impressed with Kent Reliance.
Instant transfers
Security codes through email rather than phone (i just like another option and surprised more do not do this…even as a backup in case you cannot use your phone)
Clean simple website
Again like you tried to open a cash isa but unavailable at the moment on their new website (hopefefully that changes soon).
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